Hey there, Gianni here. 

The Dow dropped close to 300 points today. Zions Bancorporation fell 13%. Banking stocks are getting demolished, and everyone's asking the same question: "Is this 2008 all over again?"

But here's what CNBC won't tell you while they're interviewing another "expert" about credit risk...

Only 22% of professional fund managers are beating the market this year.

I'm up 60% in my million-dollar challenge account. My Trinity Trade portfolio is up 35%.

We are retail…

And we've been taking it to the man.